Payment Lifecycle Analyst

Location: Metro Manila, National Capital Region, Philippines

Job Family: Payments Lifecycle

About the Role

At JP Morgan Chase, we are a leading global financial services firm with a proud history of innovation and client focus. As a Payment Lifecycle Analyst in our Commercial and Investment Bank division, you will play a pivotal role in managing the intricate processes of global payments, ensuring efficiency, compliance, and reliability for our institutional clients. Based in Metro Manila, Philippines, this position offers the opportunity to contribute to high-impact operations within one of the world's largest banks, leveraging cutting-edge technology to handle trillions in daily transactions. You will join a dynamic team dedicated to transforming payment ecosystems and driving the future of financial services. In this role, your primary focus will be overseeing the full payment lifecycle—from transaction initiation and validation to settlement and reconciliation—while identifying opportunities for process enhancements. You will collaborate with cross-functional teams, including risk management, compliance, and technology groups, to resolve complex issues and support the rollout of innovative payment solutions tailored to commercial and investment banking needs. Utilizing JP Morgan's advanced platforms, you will analyze transaction data to detect anomalies, ensure adherence to international standards like SWIFT and regulatory mandates such as AML/KYC, and provide actionable insights that optimize client experiences and operational performance. We value professionals who thrive in a fast-paced, collaborative environment and are passionate about the intersection of finance and technology. This position not only offers exposure to global markets but also avenues for career growth within JP Morgan Chase's extensive network. If you are detail-oriented, analytically minded, and eager to make a tangible impact on the payments landscape, we invite you to bring your expertise to our team in the heart of Metro Manila.

Key Responsibilities

• Monitor and analyze the end-to-end payment lifecycle for commercial and investment banking clients, ensuring seamless processing from initiation to settlement
• Identify and resolve discrepancies in payment transactions, collaborating with internal teams to mitigate risks and delays
• Conduct daily reconciliations of payment volumes, fees, and settlements using JP Morgan's proprietary systems
• Ensure compliance with global regulatory requirements, including anti-money laundering (AML) checks and sanctions screening
• Support the implementation of new payment products and technologies, providing lifecycle expertise to enhance efficiency
• Generate reports and insights on payment trends to inform business decisions and optimize operational processes
• Liaise with clients and counterparties to address payment inquiries and facilitate timely resolutions
• Contribute to process improvements by identifying bottlenecks in the payment workflow and recommending automation solutions
• Participate in audits and quality assurance activities to maintain high standards in payment operations

Required Qualifications

• Bachelor's degree in Finance, Business Administration, Information Technology, or a related field
• Minimum of 2-3 years of experience in payments processing, transaction lifecycle management, or financial operations within the banking sector
• Strong understanding of global payment systems such as SWIFT, SEPA, and real-time payment networks
• Proficiency in data analysis tools and financial software, with experience in handling high-volume transaction data
• Knowledge of regulatory compliance standards including AML, KYC, and PCI-DSS in the financial services industry
• Excellent attention to detail and ability to manage multiple priorities in a fast-paced environment
• Fluency in English, both written and verbal

Preferred Qualifications

• Experience working in a multinational banking environment, preferably with JP Morgan Chase or similar institutions
• Familiarity with payment orchestration platforms and API integrations for cross-border transactions
• Certification in payments or financial operations, such as Certified Payments Professional (CPP) or equivalent
• Prior exposure to agile methodologies in financial technology projects
• Advanced proficiency in SQL or Python for data querying and automation

Required Skills

• Proficiency in payment processing systems like SWIFT and ISO 20022 standards
• Data analysis and reporting using tools such as Excel, Tableau, or Power BI
• Knowledge of financial regulations and compliance frameworks in banking
• Strong problem-solving and analytical thinking for transaction troubleshooting
• Excellent communication skills for stakeholder collaboration
• Attention to detail in high-volume, time-sensitive environments
• Project management abilities for lifecycle optimization initiatives
• Technical aptitude with SQL, APIs, and automation scripting
• Adaptability to evolving payment technologies and industry trends
• Team collaboration and interpersonal skills in a multicultural setting
• Risk assessment and mitigation expertise
• Time management to handle multiple concurrent tasks
• Customer service orientation for client-facing interactions
• Basic understanding of cybersecurity principles in financial transactions

Benefits

• Competitive base salary and performance-based annual bonuses aligned with JP Morgan's compensation philosophy
• Comprehensive health and wellness benefits, including medical, dental, and vision coverage for employees and dependents
• Retirement savings plan with company matching contributions to support long-term financial security
• Generous paid time off, including vacation, sick leave, and parental leave policies
• Professional development opportunities through JP Morgan's internal training programs and tuition reimbursement
• Employee stock purchase plan and access to financial wellness resources
• Flexible work arrangements, including hybrid options in Metro Manila, with modern office facilities
• Global mobility programs and career advancement pathways within JP Morgan Chase's international network

JP Morgan Chase is an equal opportunity employer.